GRAWE Insurance Company d.d.
GRAWE
GRAWE is a motor third-party liability insurance for the Slovenia market with online purchase and limited assistance availability.
Direct payment
GRAWE indemnifies injured third parties directly for justified claims arising from the use or possession of the insured vehicle, and also defends the policyholder against unfounded or exaggerated damage claims.
Geographic scope
Slovenia and countries that are signatories to the Agreement between the national insurance bureaus of the EEA member states and associated members (Green Card countries)
Cover applies in Slovenia and in all countries party to the Agreement between the national insurance bureaus of the EEA member states and associated members (Green Card signatory countries); in all other countries cover is provided up to Slovenia's minimum statutory sums insured under Slovenian indemnity and insurance law.
Unique selling points
- Bonus-malus system offers up to 60% no-claims discount on the MTPL premium.
- The international Green Card is included free of charge with every MTPL policy.
- Reduced surcharge for young/novice drivers compared to standard increased-risk pricing.
- MTPL cover can be calculated and purchased entirely online via GRAWE's e-motor insurance portal.
- Package discounts apply when MTPL is combined with other GRAWE AVTO products such as casco, passenger accident and roadside assistance.
Coverage limits
Bodily Injury Liability
Covered
No limit stated
Covers third-party claims for death, bodily injury or impaired health arising from the use or possession of the insured vehicle, up to the sum insured on the policy, which may not be lower than the statutory minimum sum set by Slovenian law on compulsory traffic insurance. The exact minimum amount is not stated in the reviewed documents.
Property Damage Liability
Covered
No limit stated
Covers third-party claims for destruction or damage of property arising from the use or possession of the insured vehicle, up to the sum insured on the policy, which may not be lower than the statutory minimum sum set by Slovenian law on compulsory traffic insurance. The exact minimum amount is not stated in the reviewed documents.
Legal Defence Against Unjustified Claims
Covered
As part of standard MTPL cover, GRAWE examines and settles justified claims and provides legal defence for the policyholder against unfounded or exaggerated damage claims arising from a traffic accident, across Europe.
Green Card (International Motor Insurance Card)
Covered
The Green Card is issued free of charge with the MTPL policy and proves valid third-party liability cover when driving in Slovenia and in countries that are signatories to the Green Card / EEA national insurance bureaus agreement.
Roadside Assistance (GRAWE MOBIL)
Optional
Roadside assistance is not part of the base MTPL policy; it can be added for an extra premium as one of the GRAWE MOBIL assistance products (OSNOVNI, PLUS, SUPER, EKSKLUZIVNI, POSLOVNI) when purchasing MTPL, providing 24/7 help in Slovenia and Europe (towing, replacement vehicle, roadside repair, etc.).
Driver Accident Insurance (AO-plus)
Optional
An optional add-on to MTPL covering bodily injury suffered by the driver as the at-fault party in a traffic accident; not included in the base MTPL policy and must be purchased separately.
Passenger Accident Insurance (NZP)
Optional
An optional add-on covering accidental death, permanent disability, treatment costs and daily allowance for passengers (and driver) in the insured vehicle, up to the agreed sum insured; not included in the base MTPL policy.
Key conditions
Territorial scope
Insurance is valid in Slovenia and in countries that are signatories to the Agreement between the national insurance bureaus of the EEA member states and associated members (Green Card countries); in all other countries the insurer's obligation is limited to Slovenia's minimum statutory sums insured.
Green card rules
The Green Card is issued free of charge and serves as proof of valid MTPL cover when travelling outside Slovenia in signatory countries; GRAWE's obligation toward an injured party abroad extends up to the higher of the visited country's minimum sum insured or the sum agreed in the policy.
Driver restrictions
The insured loses coverage rights if the driver lacked a valid driving licence for the vehicle category, drove under the influence of alcohol, drugs or other psychoactive substances, drove an unroadworthy vehicle, caused damage intentionally, or fled the scene without providing personal and insurance details; drivers with fewer than 3 years of driving experience incur a premium surcharge.
Claim notification deadline
The policyholder must notify the insurer of a claim event no later than 3 days from the day they became aware of it.
Bonus-malus rules
Premium is determined via a 21-level bonus-malus scale (classes 0-20, corresponding to 40%-200% of the base premium); every claim-free year moves the vehicle one class lower (bonus, up to 60% discount advertised), while each reported claim in a policy year moves it three classes higher (malus, capped at 4 claims per year); new policies start at class 14.
Policy specifics
Green Card (International Motor Insurance Card)
Coverage valid in countries that are signatories to the Agreement between national insurance bureaus of European Economic Area member states and associated members
SourceDefense Against Unjustified Claims
The insurance provides coverage and legal defense in case of unjustified claims for damage compensation if the policyholder is involved in a traffic accident
SourceValid Driving License
The driver must hold a valid driving license; driving with an invalid or withdrawn license is excluded from coverage
SourceDriving Under Alcohol/Drug Influence Exclusion
Coverage is excluded if the accident occurred while the driver was under the influence of alcohol or psychoactive substances
SourceStatutory and Technical Regulations Compliance
Violations of legal and technical regulations at the time of the accident may result in coverage exclusion
SourcePremium Payment Obligation
The policyholder must pay the full insurance premium on time and in full
Source